The legal notices posted on this site are for reference only. Only the legal notices published in the legal organ newspaper of this county (The Banks County News) are official per O.C.G.A. sec. 9-13-140, et seq.

Lewis Estate
Notice to Debtors
and Creditors
All creditors of the estate of Telvia Sharp Lewis, deceased, late of Banks County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 14th day of April, 2003.
Lesa A. Duncan, Executor/Administrator
275 McDonald Circle
Commerce, GA 30529
(AP23,30,MY7,14P4)

Notice of Sale
Notice of Sale Under Power
By virtue of the power contained in a Deed to Secure Debt executed and delivered by WILLIAM JOSEPH (CHIP) MCCLURE to COMMUNITY BANK AND TRUST, f/k/a COMMUNITY BANK AND TRUST-JACKSON, dated August 23, 2001, and recorded in Deed Book 188, Pages 851-852, Office of the Clerk of Superior Court of Banks County, Georgia, and recorded in Deed Book 521, Pages 148-149, Office of the Clerk of Superior Court of Franklin County, Georgia; securing sums in the original principal amount of $31,015.00; in addition to interest accruing, there will be sold at public outcry to the highest bidder for cash, before the Courthouse door in Banks County, Georgia, by the undersigned, acting as Attorney-in-Fact for the said WILLIAM JOSEPH (CHIP) MCCLURE, as provided in said Deed to Secure Debt, between the hours of 10:00 a.m. and 4:00 p.m. Eastern Time, on the first Tuesday in June 2003, to-wit: June 3, 2003:
All that tract or parcel of land lying and being in GMD, 1686, Franklin County, Georgia, and GMD, 208, Banks County, Georgia, containing 17.58 acres, as shown on a plat of survey identified as Franklin Farms, prepared by Hubert Lovell, Surveyor, dated October 11, 1988, and recorded at Plat Book 17, Page 323, Franklin County, Georgia Records and Plat Book 16, Page 26, Banks County, Georgia Records, which by reference is incorporated herein and made a part hereof.
The debt secured by said Deed to Secure Debt, being in default, said powers contained therein will be exercised and the land will be sold as property of WILLIAM JOSEPH (CHIP) MCCLURE, by the undersigned, as Attorney-in-Fact for the said WILLIAM JOSEPH (CHIP) MCCLURE.
Said property shall be sold subject to any and all outstanding easements and rights-of-ways, restrictions of record, if any, and to all unpaid taxes and assessments. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
The proceeds from said sale will be applied to the payment of the above-styled indebtedness, the expenses of the procedure, attorneys fees (notice as required in Sec. 13-1-11, O.C.G.A., 1982, as amended, having been sent as required), and the balance, if any, shall be applied as provided in said Deed to Secure Debt. Proper conveyance will be made to the purchaser at the said sale by the undersigned acting as Attorney-in-Fact for the said WILLIAM JOSEPH (CHIP) MCCLURE.
To the best knowledge, information, and belief of COMMUNITY BANK AND TRUST, f/k/a COMMUNITY BANK AND TRUST-JACKSON, the premises are currently occupied by debtor.
Pursuant to the Fair Debt Collection Practices Act, it is required that the following is stated: This document is an attempt to collect a debt and any information obtained will be used for that purpose. [15 U.S.C. Section 1692e(11).]
This 23rd day of April, 2003.
COMMUNITY BANK AND TRUST, f/k/a COMMUNITY BANK AND TRUST-JACKSON
By: ELTON COLLINS, President, as Attorney-in-Fact for WILLIAM JOSEPH (CHIP) MCCLURE
Gregory M. Perry
Attorney at Law
P.O. Box 299
Commerce, Georgia 30529
(706) 335-3500
(MY7,14,21,28P4)

Notice of Sale
Georgia, Banks County
By virtue of Power of Sale contained in Security Deed from DONALD R. SMITH, DEBORAH SMITH, JEFF OLIVER AND TAMMY OLIVER to HERBERT L. HEAD AND SUSAN M. DUCKETT, dated April 3, 2002, which Deed is recorded among Banks County, Georgia Records in Deed Book 191, Page 714, said Security Deed being given to secure an original indebtedness of $23,000.00 plus interest. There will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse Door at Banks County, Georgia, within the legal hours of sale on the first Tuesday in June 2003, the following described property, to-wit:
FOR A LEGAL DESCRIPTION, SEE EXHIBIT A
Whereas, the Note secured by said Deed to Secure Debt has become in default as to payment of the principal and interest, and HERBERT L. HEAD AND SUSAN M. DUCKETT have given notice of their intention to foreclose said Deed to Secure Debt and claim attorneys fees as provided in said Note and Deed to Secure Debt.
The debt secured by said Security Deed has been and is hereby declared due because of the non-payment of the current indebtedness secured by said Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale including attorneys fees.
Said property will be sold as the property of DONALD R. SMITH, DEBORAH SMITH, JEFF OLIVER AND TAMMY OLIVER and subject to the outstanding ad valorem taxes.
HERBERT L. HEAD AND SUSAN M. DUCKETT, as Attorneys-in-Fact for DONALD R. SMITH, DEBORAH SMITH, JEFF OLIVER AND TAMMY OLIVER
EXHIBIT A
All that tract or parcel of land lying and being in Land Lot 220 of the 10th Land District of Banks County, Georgia, and being designated as Lot 10 of Hidden Valley Subdivision, as shown on Subdivision Plat recorded in Plat Book 15, Page 143, Banks County, Georgia Records, reference to said plat is being made for a more full and complete description.
Subject to Declaration of Protective and Restrictive Covenants for Hidden Valley Subdivision, dated May 30, 1990, and recorded among Banks County, Georgia Records in Deed Book 59, Pages 450-454, and subject to Building Setback Lines as shown on the above referenced Plat of Survey.
Also conveyed is any interest that the Grantors may have acquired to the Mobile Home situated on the above described property.
(MY7,14,21,28P4)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of a Power of Sale contained in that certain Security Deed from Anthony Truelove to Southtrust Mortgage Corporation d/b/a Equibanc Mortgage, dated September 7, 2001, recorded in Deed Book 182, Page 260, Banks County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 00/100 DOLLARS ($140,000.00) with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bankers Trust Company, as Trustee, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
All that tract or parcel of land lying and being in GMD 912 of Banks County, Georgia, and being 4.53 acres, and more fully described as Lots 6 and 7 of property of Larry S. Thurmond, as shown on that plat of survey recorded in Plat Book 15, Page 83, of the Banks County, Georgia Plat Records. Said plat is incorporated herein by reference for a more complete description of the property.
Said property is commonly known as 926 Brewer Road, Lula, GA 30554.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys fees and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Anthony Truelove or tenant(s).
DEUTSCHE BANK TRUST COMPANY AMERICAS, FKA BANKERS TRUST COMPANY, AS TRUSTEE, as Attorney-in-Fact for ANTHONY TRUELOVE
Contact: Kathryn Grant (ext. 1378)
Morris, Schneider & Prior, L.L.C
3300 N.E. Expressway, Suite 8B
Atlanta, Georgia 30341
(770) 234-9181
MSP File No. 382.0304725\KMG
www.foreclosures.msplaw.com
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/815 5000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Tonie Ingram to Option One Mortgage Corporation, dated December 10, 2001, recorded in Deed Book 183, Page 568, Banks County, Georgia Records, as last transferred to Wells Fargo Bank Minnesota, N.A., as Trustee for registered Holders of Option One Mortgage Loan Trust 2001-D, Asset-Backed Certificates, Series 2001-D, without recourse by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-FIVE THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($85,850.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Tonie Ingram or a tenant or tenants and said property is more commonly known as 247 Trout Lane, Commerce, GA 30529.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Wells Fargo Bank Minnesota, N.A., as Trustee for registered Holders of Option One Mortgage Loan Trust 2001-D, Asset-Backed Certificates, Series 2001-D, without recourse, as Attorney-in-Fact for Tonie Ingram
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/awl 6/3/03
Our file no. 5567402-FT2
EXHIBIT A
All that tract or parcel of land lying and being in GMD 208 and 465, Banks County, Georgia, being Lot 9C, as per Subdivision Plat recorded in Plat Book 17, Page 69, Banks County, Georgia Records, which plat is hereby referred to and made a part of this description.
Together with a 2001 Horton Mirage Mobile Home, Serial No. (S) H89092GL&R attached to the Real Estate and intended to remain a part hereof.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/930 6000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Alisha S. Griggs and f/k/a Alisha J. Shockley to Regions Mortgage, Inc., dated August 10, 2001, recorded in Deed Book 176, Page 892, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVEN THOUSAND AND 0/100 DOLLARS ($107,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Alisha S. Griggs or a tenant or tenants and said property is more commonly known as 851 Garrison Road, Lula, GA 30554.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Regions Mortgage, Inc., as Attorney-in-Fact for Alisha S. Griggs and f/k/a Alisha J. Shockley
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/amn 6/3/03
Our file no. 5748302-FT1
EXHIBIT A
All that tract or parcel of land lying and being in the 912th G.M.D. of Banks County, Georgia, and being shown and designated as Lot 11A, containing 5.39 acres, more or less, as shown on Plat of Survey prepared for Alisha Griggs by Max Lewallen, R.L.S., dated July 13, 2001, and recorded among Banks County, Georgia Records in Plat Book 26, Page 32, said plat being incorporated herein by reference for a more full and complete description.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/930 6000)

Inc. Notice
Notice of Incorporation
Notice is given that Articles of Incorporation that will incorporate R&R Georgia Properties, Inc., have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 647 Highway 51, North, Homer, GA 30547, and its initial registered agent at such address is Patricia Haynes.
(MY14,21P2)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Michelle L. Holt to Hamilton Financial Services, dated October 25, 2001, recorded in Deed Book 181, Page 401, Banks County, Georgia Records, as last transferred to Chase Manhattan Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND SEVEN HUNDRED NINETY-FOUR AND 0/100 DOLLARS ($76,794.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Michelle L. Holt or a tenant or tenants and said property is more commonly known as Lot 3 New Image Drive, Lula, GA 30554.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Chase Manhattan Mortgage Corporation, as Attorney-in-Fact for Michelle L. Holt
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/tbt 6/3/03
Our file no. 51044503-FT3
EXHIBIT A
All that tract or parcel of land lying and being in the GMD 912, Banks County, Georgia, being Lot 3 of New Image Subdivision, as per plat recorded in Plat Book C, Page 38, Banks County, Georgia Records, to which plat reference is made for a more detailed description.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/930 5000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Cooper Huff and Patricia Huff to Premier Lending Corporation, dated December 3, 1998, recorded in Deed Book 137, Page 635, Banks County, Georgia Records, as last transferred to Household Financial Services by assignment recorded in Deed Book 146, Page 565, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FORTY-SIX THOUSAND EIGHT HUNDRED AND 0/100 DOLLARS ($46,800.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Cooper Huff and Patricia Huff or a tenant or tenants and said property is more commonly known as 1318 West Ridgeway Road, Maysville, Georgia 30558.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Household Financial Services, as Attorney-in-Fact for Cooper Huff and Patricia Huff
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/arm 6/3/03
Our file no. 5654600-FT8
EXHIBIT A
All that tract or parcel of land lying and being on the southern right of way of Ridgeway Road in the 465th G.M.D., Banks County, Georgia, containing 0.50 acres, more or less, according to a plat of survey prepared by Farley-Collins Associates, Georgia Registered Land Surveyors, dated December 11, 1979, and being recorded in Plat Book 7, Page 265, Banks County, Georgia Records.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/930 6000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Rhonda Hudson to ABN Amro Mortgage Group, Inc., dated October 26, 2001, recorded in Deed Book 9150, Page 793, Banks County, Georgia Records, as last transferred to ABN Amro Mortgage Group, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND AND 0/100 DOLLARS ($76,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Rhonda Hudson or a tenant or tenants and said property is more commonly known as 1173 Ervin Chambers, Maysville, GA 30558.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
ABN Amro Mortgage Group, Inc., as Attorney-in-Fact for Rhonda Hudson
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/bdk 6/3/03
Our file no. 51019103-FT7
EXHIBIT A
All that tract or parcel of land lying and being in 265 GMD of Banks County, Georgia and being Lot 14, Country Meadows West, as shown by a plat of survey for Chris M. Patton, R.S. dated October 6, 1997, revised October 29, 1997 recorded in Plat Book C, Page 42, of the Banks County, Georgia Deed Records. Reference to said plat and the description contained therein being incorporated herein by reference for a full and complete description thereof. Said parcel is subject to the restrictive covenants of record.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B930 6000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Jessica L. Helsten to ABN Amro Mortgage Group, Inc., dated July 20, 2001, recorded in Deed Book 176, Page 551, Banks County, Georgia Records, as last transferred to ABN Amro Mortgage Group, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SIXTY-NINE THOUSAND AND 0/100 DOLLARS ($69,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in June, 2003, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Jessica L. Helsten or a tenant or tenants and said property is more commonly known as Lot 1 Ervin Chambers, Maysville, GA 30558.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
ABN Amro Mortgage Group, Inc., as Attorney-in-Fact for Jessica L. Helsten
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/bdk 6/3/03
Our file no. 51615002-FT7
EXHIBIT A
All that tract or parcel of land lying and being in the 265 GMD of Banks County, Georgia, and being known as Lot 1, as shown by plat of survey prepared by Chris M. Patton, R.S., dated October 6, 1997, revised October 29, 1997, recorded in Plat Book B, Page 148, Banks County, Georgia Records. Reference to said plat description contained therein being incorporated herein by reference for a full and complete description thereof. Said parcel is subject to the restrictive covenants and easements of record.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY7,14,21,28B/930 6000)

Inc. Notice
Notice of Incorporation
Notice is given that Articles of Incorporation that will incorporate The Hub Christian Motorcycle Ministry, Inc., have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code. The initial registered office of the corporation is located at 647 Highway 51, North, Homer, Georgia 30547, and its initial registered agent at such address is Patricia Haynes.
(MY7,14P2)

Public Hearing
Notice of Public Hearing
Please take notice that the following applications and proposed ordinance have been received by the Banks County Planning Office:
Z-03-02 - Application by Don Daniel for rezoning of property at 613 Bennett Road from ARR, Agricultural, Rural-Residential to M-1, Industrial. Proposed Use: Propane storage and delivery.
CU-03-01 - Application by North Georgia Church of God for a conditional use permit for a church camp site on Wilson Bridge Road. This 181.672 acre tract is located on Wilson Bridge Road.
An ordinance to amend Article V, Section 74-123 entitled Access of the subdivision regulations of the code of Banks County, Georgia, to provide for the construction of concrete curbs and gutters; to repeal conflicting ordinances; to provide for separable and divisible parts; to provide an effective date and for other purposes.
The above applications and ordinance are on file in the office of the Banks County Planning Commission and are available for public review.
The Banks County Planning Commission will hold a public hearing on the matters on Tuesday, June 3, 2003, at 7 p.m. in the courtroom located at the Banks County Courthouse in Homer, Georgia.
The Banks County Commissioners will hold a public hearing on the matters on Tuesday, June 10, 2003, at 7 p.m. in the courtroom at the Banks County Courthouse in Homer, Georgia.
Interested persons are invited to appear and comment.
This 14th day of May, 2003.
(MY14B/069 3000)

Divorce Notice
In the Superior Court
of Banks County
State of Georgia
Michael Andrew Conner, Plaintiff, vs. Julia Mae Smallwood Conner, Defendant
Civil Action File No. 03-CV-145-B
To: Julia Mae Smallwood Conner, 663 Borders Road, Commerce, Georgia 30529
By Order of the Court for service by publication dated April 24, 2003, you are hereby notified that on the 28th day of April, 2003, Michael Andrew Conner filed suit against you for divorce. You are required to file with the Clerk of the Superior Court, and to serve upon Plaintiffs Attorney Walter B. Harvey, P.O. Box 494, Jefferson, Georgia 30549, an answer in writing within sixty (60) days of April 28, 2003.
Witness, the Honorable Robert W. Adamson, Judge of Banks County Superior Court.
This 28th day of April, 2003.
Timothy Harper, Clerk
(MY14,21,28,JU4P4)